How do I find the best travel insurance?
We've scrutinised around 200 travel insurance policies, combining our analysis with feedback from 4,528 members of the general public. Each policy is rated to produce a Which? policy score as well as a customer score.
To qualify as a Which? Recommended Provider, an insurer must:
- Be regulated by the Financial Conduct Authority
- Be available to the general public
- Have received 30 or more responses in our customer survey
- Have received an average or above average policy score (see table for current average score) and a customer score of 70% or above
Table last updated in May 2018. Next update in May 2019.
The best and worst travel insurers
The table reveals the companies with the top customer satisfaction ratings for travel insurance, along with our expert analysis of their policies, revealing the Which? Recommended Providers for travel insurance.
| Provider |  | Single-trip policy score | Annual-trip policy score | Total score |
|---|---|---|---|---|
 | 76% | 95% | 95% | 86% |
|
| 73% | 96% | 96% | 85% |
|
| 70% | 97% | 97% | 84% |
|
| 82% | 83% | 83% | 83% |
|
| 78% | 86% | 86% | 82% |
|
| 69% | 93% | 93% | 81% |
|
| 70% | 92% | 92% | 81% |
|
| 73% | 87% | 87% | 80% |
|
| 72% | 86% | 86% | 79% |
|
| 84% | 73% | 73% | 79% |
|
| 72% | 81% | 81% | 77% |
|
| 77% | 75% | 75% | 76% |
|
| 71% | 81% | 81% | 76% |
|
| 71% | 81% | 81% | 76% |
|
| 70% | 79% | 79% | 75% |
|
| 66% | 83% | 83% | 75% |
|
| 69% | 79% | 79% | 74% |
|
| 71% | 76% | 76% | 74% |
|
| 68% | 80% | 80% | 74% |
|
| 74% | 74% [g] | 74% [g] | 74% |
|
| 68% | 74% | 74% | 74% |
|
| 68% | 77% | 77% | 73% |
|
| 71% | 75% [h] | 75% [h] | 73% |
|
| 75% | 71% [j] | 71% [j] | 73% |
|
| 71% | 75% | 75% | 73% |
|
| 70% | 75% | 75% | 73% |
|
| 73% | 73% | 73% | 73% |
|
| 68% | 75% | 75% | 72% |
|
| 70% | 71% [m] | 71% [m] | 71% |
|
| 77% | 65% [k] | 65% [k] | 71% |
|
| 74% | 66% [n] | 66% [n] | 70% |
|
| 77% | 62% [p] | 62% [p] | 70% |
|
| 67% | 70% | 70% | 69% |
|
| 76% | 62% [q] | 62% [q] | 69% |
|
| 73% | 60% [r] | 60% [r] | 67% |
|
| 67% | 60% | 60% | 64% |
|
| 65% | 48% | 68% | 62% |
Customer score data is based on a survey of 4,536 respondents from the general public telling us about their travel insurance provider in February 2018.
Sample breakdown: Boots (40), M&S Bank (52), Nationwide BS (405), Tesco Bank (58), Thomas Cook (67), The Co-operative Insurance (55), Post Office (187), Saga (138), Debenhams (50), Direct Travel (50), Insure&Go (256), Staysure (167), Halifax (148), Axa (203), Virgin Money (87), Lloyds (285), RBS (81), NatWest (153), Columbus Direct (50), Direct Line (108), First Direct (44), Churchill (40), All Clear (40), HSBC (118), Holidaysafe (51), Aviva (200), Barclays (200), Age UK (38), LV (65), AA (121), Santander (46), Flexicover (50), Admiral (50), 50 Plus (30), Bupa (32), TSB (67), American Express (72).
Policy scores are based on the provider's standard policy. Annual and Single-trip policy score is our assessment of the quality of standard policies from each of the providers, comparing 22 categories from each policy type to come out with each overall score.
Providers must receive a minimum sample size of 30 respondents to generate a customer score and inclusion in the table.
Total score is made up of 50% of the Customer score and 25% each of Annual and Single-trip policy scores.
How we calculate customer and policy scores
We calculated the customer scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.
We calculated the policy scores by rating the most important elements of the policy, including medical expenses cover limit, cancellation/curtailment limit, travel delay limit, baggage and belongings limit and money limit.
The total score combines both the customer score and policy score.
